My Credit Union

Visa Cards



12.24% pa
Purchase Interest Rate 

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The Visa credit card is a no frills card with a low interest rate and low annual fee, with up to 55 days interest free.

  • a low ongoing rate for both purchases and cash advances
  • an introductory rate of 8% p.a. for 8 months
  • up to 55 days interest free
  • low annual fee
  • keep transaction fees to a minimum
  • card can be added to Apple Pay, Google PayTM and Samsung Pay
  • payWave/contactless functionality
  • monitor transactions and balances with the App

  Visa Credit Card Product Features:
Visa Credit Card
Interest Rates
Purchase interest rate12.24% pa
Cash advance interest rate12.24% pa
Balance transfer rate8.00% pa1
Key Features
Annual Fee$45
Free PIN changesYes
Monthly fee$0 
Visa payWaveYes
ATM/EFTPOS accessYes 
Daily transaction limitsNo 2



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The Visa Debit Card is attached to a transaction account, allowing you to transact across Australia and internationally as well as online, and because you're using your own funds there are no interest charges.

  • worldwide ATM and EFTPOS access
  • ability to shop online
  • telephone and Internet access
  • keep transaction fees to a minimum by selecting the credit option at the point of purchase
  • card can be added Apple Pay, Google PayTM and Samsung Pay
  • payWave/contactless functionality

  Visa Debit Card Features:
Visa Debit Card
Key Features
Free PIN changesYes
Monthly fee$2.50 3
Visa payWaveYes
ATM/EFTPOS accessYes 
Daily transaction limitsYes 


  In addition:
  • You get added security when purchasing online through selected merchants with the 3-D Secure service.
  • Approval can be granted quickly upon receipt of your application.
  • You can select your own PIN number.
  Related information:


1 The introductory/balance transfer rate applies for the first 8 months, after which it will revert to the prevailing purchase/cash advance rate.

2 Up to your approved credit limit.

3 Visa Card Fee exemptions apply - refer to the Schedule of Fees and Charges for details.